Trip Delay Insurance

A couple booked a dream cruise vacation to the Caribbean, but their flight from Chicago to Miami was delayed due to a severe thunderstorm. By the time they arrived at the port, their cruise ship had already departed. Luckily, their trip delay insurance covered the cost of a last-minute hotel stay in Miami, meals, and a new one-way flight to the cruise's first port of call to catch up with the ship. Without this coverage, they would have had to forfeit the entire cost of their cruise. 

But does that mean, you can claim trip delay benefit if you arrive late for your scheduled flight? Most unlikely. So let’s know what warrants as a trip delay? 

What is Trip Delay? 

Travel insurance can provide reimbursement when the trip is delayed for a specified period of time due to covered reasons as underlined in your policy. Some common situations include:  

• Weather-Related Delays: Severe weather conditions like snowstorms, hurricanes, or heavy fog that cause your flight, train, or other transportation to be delayed. 

• Mechanical Issues: When your plane, train, or other mode of transportation experiences mechanical problems that result in a delay. 

• Traffic Control Delays: Delays caused by traffic control issues, such as congestion at ports or flight routing problems. 

• Strikes: Strikes by airline staff, air traffic controllers, or other essential personnel that disrupt scheduled travel. 

• Security Delays: Delays due to heightened security measures or incidents that require additional screening and cause your trip to be postponed. 

• Natural Disasters: Events like earthquakes, floods, or volcanic eruptions that disrupt transportation routes and cause significant delays. 

However this is not limiting. It's important to check the specific terms of your trip delay insurance cover to understand what situations are included and the required delay duration for coverage to kick in. 

Do I Need Trip Delay Coverage? 

Whether you need trip delay coverage or not depends on your circumstances. It is a wise decision to have trip delay coverage in your travel insurance plan if you are taking a trip  where time-sensitive connections or strict schedules are involved. Trip delay is a wise decision because it offers coverage if a delay occurs during your travels. It can provide coverage for reasonable expenses like hotel stays, meals, and transportation if your trip is delayed due to unforeseen circumstances. 

Trip Delay Insurance Benefits 

Whether you are on your way to or from your destination, AXA Travel Protection covers trip delay expenses based on one of our offered plans. This coverage is applicable if you experience a delay due to inclement weather, traffic accidents, stolen identification documents, strikes, and many other reasons.  

Our plans encompass various expenses you might incur due to a trip delay:  

Unused Accommodations: We can cover the costs if you have prepaid for accommodations you cannot use due to the delay.  

Reasonable Expenses: We understand that delays can lead to unexpected costs. We may cover any reasonable expenses you incur due to the delay, such as meals, local transportation, lodging, and essential phone calls.  

Getting Back on Track: We will help you catch up with your trip by covering the cost of an Economy Fare from the point where your trip was interrupted to a destination where you can rejoin your planned journey.  

Return Journey:  If your delay results in you needing to return to your originally scheduled return destination, we can cover the cost of a one-way Economy Fare.  

Special Provision for Pets - (Exclusive to Platinum Protection Plan)  

We care about your furry companions, too. If you have entrusted your pet to a kennel during your trip and your delay prevents you from picking them up on the previously agreed day, we will step in.  

AXA Travel Protection will cover additional kennel fees up to the maximum benefit shown on your schedule of benefits section in your AXA Travel Protection plan.  

What warrants a Trip Delay? 

If you are en route to or from the trip and it becomes delayed for twelve (12) or more hours due to: 
•    Common carrier delay 
•    Severe weather 
•    Traffic delay due to an accident in which you are not involved 
•    Lost or stolen passports, travel documents, money 
•    Quarantine 
•    Hijacking 
•    Unannounced strike  
•    Natural disaster  
•    Civil commotion or riot 
•    Road closure by state police, state officials, or other government authority 
 

Is Trip Delay coverage necessary? 

Are you worried about unexpected trip delays ruining your travel plans? With our Trip Delay coverage, you can rest easy knowing you're protected against delays caused by unforeseeable events like inclement weather, stolen travel documents, or strikes. This coverage can reimburse you for additional expenses like accommodations, meals, and transportation so you can focus on enjoying your trip instead of worrying about the unexpected. 
 

Is Trip Delay Insurance cover different from Trip Interruption? 

Trip Interruption insurance covers you if your trip is cut short due to an unexpected event, such as a medical emergency, family illness, or a natural disaster at your destination. This travel insurance covers the unused portion of your trip, as well as any additional costs needed to return home early. For instance, if you need to leave a vacation early because of a family emergency, trip interruption insurance can help cover the cost of a last-minute flight home and refund the portion of your trip you missed. 

Other Travel Insurance Benefits: Trip Cancellation, Emergency Evacuation, Baggage Loss, Cancel For Any Reason, Trip Interruption, Medical Travel Benefit 

Why choose AXA Travel Protection? 

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  
•    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency 
•    24/7 global team of travel experts that offers assistance and assurance while traveling 
 
We understand that the needs of every traveler are unique, which is why our travel plans allow customers to choose their coverage based on their specific needs. Having your travel insured by an industry leader like AXA means having greater peace of mind. 
 

How to get a Travel Protection Quote 

Receive a free quote within minutes 

Or call us at 855-327-1441 to speak with our licensed Travel Insurance Advisors. 

Monday-Saturday, 8 AM-7 PM Central Time 

Disclaimer: It is important to note that the specifics of trip delay will depend on the date of purchase and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Partners with any questions or concerns they may have. 

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